Just received my requested credit report from TU and compared it to one I received last May. Anyone have any idea how this may have happened or how to consolidate them? The newest one the file was created on 10/2001, has my name as: LAST NAME, FIRST NAME, LAST NAME...and a B-Day of: 12/1961 (which is incorrect)...it has a credit score of: +712 with no record of a judgement. The other has no credit score, but a correct b-day of: 12/1965! This account has been in their file since: 3/1987. Both ss#'s are correct, but the eldest report has triple the information AND the one judgement, and a much lower score from the looks of the late payments. I would obviously prefer the newer one with the higher score and no judgement, has it been changed? I have done nothing to create a new identity or fix my old credit report. Weird huh? Anybody have any input on this? It would be greatly appreciated! Thanks!
Good question, I have two from Equifax with the same ssn, one has all my positive tradelines, inquires, and a few negs, one has a bankruptcy account and a a collection account and no inquires. The second one used to have a bunch of negs, but Junum just got all of those off except the two. I did not know two files existed until about 2 months ago when I received them both in the mail, I didn't know which should go to Junum, so I sent both. I am confused, because the second file just showed up so recently, in the last year I have only received the one with the positive accounts listed.
Strange, I wonder how the birthdate decreased 4 years and if someone is attempting to modify the account to use for themselves? What is Junus?
